Nomad Health Insurance: Don't Get Stuck with a $50k Bill
Most nomads make the mistake of buying "Travel Insurance" for a lifestyle that isn't travel—it's living. If you are living in a foreign country for 6 months, you need more than just flight cancellation coverage.
Travel Insurance vs. IPMI
Standard travel insurance (like World Nomads) usually requires you to have a "home country" to be repatriated to. If you haven't lived in your home country for 3 years, they may deny your claim. International Private Medical Insurance (IPMI) like Cigna Global or Genki World is designed specifically for people with no fixed home.
The Contenders
subscription-based, very affordable (~$45/mo), covers emergencies and some limited routine care. Best for younger nomads on a budget.
German-based service with excellent customer support. Covers extreme sports and has a very high limit for hospital stays.
The "US Trap"
Almost every nomad insurance policy is significantly cheaper if it excludes the United States. If you aren't planning to visit the US, explicitly excluded it to save 40-50% on your premiums.
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